RBI: First Quarter 2026 - Strong operating result (excl. Russia) and healthy loan growth

May 05, 2026

Raiffeisen Bank / Key word(s): Quarter Results
RBI: First Quarter 2026 - Strong operating result (excl. Russia) and healthy loan growth

05.05.2026 / 07:30 CET/CEST
The issuer is solely responsible for the content of this announcement.

RBI: First Quarter Report 2026
Strong operating result (excl. Russia) and healthy loan growth

Q1/2026 operating result up 12% y-o-y (excl. Russia), main revenues up 5% to EUR 1,596 million
Customer loans up 3% to EUR 105 billion year-to-date (excl. Russia)
Consolidated profit of EUR 209 million (excl. Russia) impacted by upfront booking of higher bank levies

CET1 ratio excl. Russia at 14.9% (Group CET1 ratio at 17.7%)

Further business reduction in Russia - all restrictions to remain in place in 2026
Outlook largely confirmed, with CET1 ratio excl. Russia target updated to reflect announced acquisition projects

The following tables refer to RBI excluding Russia:

Income Statement in EUR million	Q1/2026	Q1/2025	Q4/2025
Net interest income	1,076	1,046	1,054
Net fee and commission income	520	466	529
Net trading income and fair value result	5	(27)	(18)
General administrative expenses	(896)	(850)	(894)
Operating result	760	678	736
Other result	(86)	(66)	(13)
Governmental measures and compulsory contributions	(177)	(116)	(49)
Impairment losses on financial assets	(103)	(46)	(72)
Profit/loss before tax	393	450	603
Profit/loss after tax	258	318	478
Consolidated profit	209	260	416

Financial statement in EUR million	31/3/2026	31/12/2025
Loans to customers	104,702	101,195
Deposits from customers	122,943	117,277
Total assets	201,472	193,191
Total risk-weighted assets (RWA)	84,410	80,932

Bank-specific information	31/3/2026	31/12/2025
NPE Ratio	1.6%	1.7%
NPE Coverage Ratio	46.4%	44.2%
CET1 ratio transitional (incl. profit)	14.9%	15.5%
Total capital ratio transitional (incl. profit)	19.7%	20.3%

Key ratios	Q1/2026	Q1/2025	Q4/2025
Net interest margin (Ø interest-bearing assets)	2.25%	2.31%	2.26%
Cost/income ratio	53.4%	55.0%	54.1%
Provisioning ratio (Ø loans to customers)	0.36%	0.20%	0.37%
Consolidated return on equity	5.2%	7.3%	12.4%
Earnings per share in EUR	0.54	0.71	1.16

Outlook 2026
The following guidance refers to RBI excluding Russia.

Outlook 2026	RBI excl. RU
Net interest income in EUR	around 4.4 bn
Net fee and commission income in EUR	around 2.1 bn
Loans to customers (growth, excl. announced acquisitions)	around 7%
General administrative expenses in EUR	around 3.6 bn
Cost/income ratio	around 52.5%
Provisioning ratio	around 35 bps
Consolidated return on equity	around 10.5%
CET1 ratio (incl. announced acquisition projects)	around 14.3%*
*’P/B Zero’ Russia deconsolidation scenario

In the medium term, RBI aims to achieve a consolidated return on equity of at least 13% excluding Russia and excluding provisions and legal cost for foreign currency loans in Poland.

For further information please contact:
John P. Carlson, CFA
Head of Group Investor & Media Relations
Raiffeisen Bank
Am Stadtpark 9
1030 Vienna, Austria
ir@rbinternational.com
phone +43-1-71 707-2089
www.rbinternational.com

05.05.2026 CET/CEST This Corporate News was distributed by EQS Group

Language:	English
Company:	Raiffeisen Bank
	Am Stadtpark 9
	A-1030 Vienna
	Austria
Phone:	+43-1-71707-2089
E-mail:	ir@rbinternational.com
Internet:	https://www.rbinternational.com/en/raiffeisen.html
ISIN:	AT0000606306
WKN:	A0D9SU
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EQS News ID:	2321024


End of News	EQS News Service

2321024 05.05.2026 CET/CEST

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